Do they really? In that case I will get them onto the pc as one was particularly agressive and even if he is in arrears with them , I do not agree they should be allowed to speak to anyone like that. Not that I'm holding much hope out but if by some small miracle Welcome do decide to send out the original loan agreement I requested before my son goes bankrupt, then I will also include this in the complaint as I'm sure it wont be in the slightest bit above board. These people pray on the needy and drive them to the depths of despair by harrassing and intimidating them.

hi there needless to say no one from Welcome turned up yesterday lunchtime to take all his worldly possessions and no one has called since. I've been searching for a local office of theirs to go into (as like you say, I dont trust them to take a token payment over the phone without adding a few 0's of their own) but I can only find a car finance place which is local to us. Having looked at my sons state of affairs we've decided that unfortunately bankruptcy is the only way for him. Not too sure how to play it with Welcome until he actually is declared though as I presume he'll get a few more phonecalls before then. Was wondering if I should send a postal order? If Welcome were his only debt we had to deal with, I'd love to see them in court to give them a piece of my mind. Especially after listening to the answerphone messages my son has saved from them threatening all sorts and increasing the debt on a daily basis it seems.

Thanks, knowing that they cant just come in and take what they think will cover the arrears is good to know and should ease my sons fears somewhat. I think I've seen on the forum to call an 0845 number to request any details that are being held on him to be sent to us, should I get him to do that tomorrow as well as calling them to offer a token payment? What should he do if they refuse a token payment?

My son has a very large secured loan out with these cowboys since 2006. He was sold PPI (I have the document) and I have sent out a letter to them asking for a copy of the original loan agreement to include details of insurance and any interest charges on the loan. However no reply as yet. I know he's in arrears on this loan due to financial difficulties and there is about £4k outstanding. They are hassling him on a daily basis despite him paying a token amount of £200 about 3 1/2 weeks ago and telling them he's in financial trouble and is seeking help. Several different numbers are calling him and today he received 2 phone calls, one from a regular call centre person saying he needed to pay them £4.5k by lunchtime tomorrow otherwise they will be going round to his flat to seize goods to that amount. And then a further phone call from 'the Legal Team' who said that they will start proceedings if the amount isn't coughed up by tomorrow as well. He's in arrears so I understand he shouldn't have too much sympathy and it was him who took the loan out but is there anything we can do (by tomorrow) in order to stop what I assume will be repossesion? Can we say that we are waiting for the copy of the original agreement along with all the charges before we can agree on a payment plan?